Companies that sell car insurance do not list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden discounts you could be receiving. If you aren’t receiving every discount possible, you are paying more than you should be.
- Federal Government Employee – Employees or retirees of the government could cut as much as 10% off depending on your company.
- Life Insurance Discount – Larger companies have better rates if you take out life insurance.
- Paperless Signup – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
- Military Discounts – Being deployed with a military unit may qualify for rate reductions.
- Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10%.
- Homeowners Discount – Owning a home can save you money due to the fact that maintaining a home shows financial diligence.
- Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
- Organization Discounts – Participating in a civic or occupational organization may earn a discount when buying car insurance.
As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.
Scraping up a payment for steep Ford F150 Pickup insurance can be harder than going to the dentist yet you undoubtedly pay it without understanding why you’re paying too much. A few car insurance companies will make you pay high prices to insure pickup trucks, so if you don’t regularly compare rates, you’re costing yourself money every month.
All major car insurance companies quote prices on their websites. Obtaining pricing is quite easy as you just enter your required coverages into the quote form. Behind the scenes, the system requests your driving and credit reports and provides a quote determined by many factors.
Being able to quote online helps simplify price comparisons, but the time required to go to multiple sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to perform this step if you are searching for the lowest car insurance rates.
A faster way to save
A quicker way to compare car insurance pricing makes use of a single form that obtains quotes from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes price shopping online a lot less work. After your information is entered, it is quoted and you can select your choice of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and you’ll know if lower rates are available.
In order to fill out one form to compare multiple rates, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you enter your your coverages as close as possible to your current policy. This ensures you will get an apples-to-apples comparison for similar insurance coverage.
These factors can influence what you pay for Ford F150 Pickup insurance
Consumers need to have an understanding of the factors that help determine the price you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.
The following are a partial list of the pieces that factor into premiums.
- Where you reside plays a part – Choosing to live in small towns and rural areas is a positive aspect when insuring your vehicles. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Higher commute times translates into higher accident risk.
- Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Ford scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
- Women pay lower rates – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high car insurance rates.
- Bundling policies can get discounts – Many insurance companies will award you with lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. If you currently are using one company, you may still want to comparison shop to confirm you are receiving the best rates possible. You may still find a better deal by buying car insurance from a different company.
- Allowing your policy to lapse raises rates – Allowing your car insurance policy to lapse will be a fast way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a license revocation or jail time.
- Pleasure use saves money – Driving more miles in a year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your car insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your F150 Pickup can cost quite a bit.
- Mature drivers pay less – Older insureds are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers are known to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.
Comparing rates from local agents
Certain consumers would prefer to buy from a licensed agent. Agents can help determine the best coverages and help you file claims. One of the best bonuses of comparing insurance prices online is that you can obtain better rates and still have an agent to talk to.
Once you complete this simple form, the coverage information is transmitted to agents in your area who will give you bids for your insurance coverage. You won’t need to leave your house due to the fact that quote results will go straight to your inbox. Now that’s easy! If you want to view a list of agents in your state to contact, click here.
Picking an insurer needs to be determined by more than just the premium amount. Ask your prospective agent these questions:
- Are you getting all the discounts the company offers?
- Do the coverages you’re quoting properly cover your vehicle?
- What insurance company do they write the most business with?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Can they provide you with a list of referrals?
- Is assistance available after office hours?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Upon getting reasonable responses to these questions and a low price estimate, you have narrowed it down to a company that can properly service your car insurance policy.
What is YOUR best insurance company?
We just covered a lot of techniques to lower your Ford F-150 insurance rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best price on car insurance is with a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.
Cheap F-150 insurance can be purchased online in addition to most insurance agents, and you need to price shop both to get a complete price analysis. Local independent agents are able to place your coverage with small, regional companies who do not offer online price quotes.
